Alternative Investments: Why Lending Club?

How investors can benefit

Investing in the consumer credit asset class through LendingClub provides a portfolio diversification opportunity and the potential to earn competitive returns.

3–8%

Historical returns^*

LendingClub offers investors access to the consumer credit asset class which, until recently, has historically been available only to banks and large institutions.

Learn more about historical returns

99%

of portfolios with 100+ Notes see positive returns^*

Investors may avoid the ups and downs associated with the stock market because LendingClub Notes have low correlation to the stock market.^*

See how diversification can reduce volatility

2–5%

Monthly cash flow^*

As borrowers repay their loans, investors receive payments of principal and interest and can receive monthly cash flow ranging between 2–5%.

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Here’s how the math works^*

This hypothetical illustration shows how the LendingClub platform works for investors. As borrowers make payments on their loans, investors are paid monthly on their corresponding Notes, minus the impact of borrower defaults and LendingClub fees. Keep in mind that an investor's returns can vary based on many factors.

Average interest rate for portfolio^*	14%
Estimated effect of charge-offs and prepayments^*	-8%
Effect of LendingClub fees^*	-1%
Annualized Net Return^*	= 5%

How investors can benefit

Here’s how the math works^*

Hypothetical Example^*:

Investor mobile app

How investors can benefit

Here’s how the math works*

Hypothetical Example*:

Investor mobile app

Here’s how the math works^*

Hypothetical Example^*: